Unexpected emergencies can arise, and the penalties imposed by cruise lines, airlines, hotels, and tour operators for cancellations can be substantial, ranging from forfeiting full deposits to no refunds at all. It is also crucial to note that in the absence of travel insurance, you may find yourself without coverage in a medical emergency abroad, as domestic health policies typically do not apply outside the United States. Overseas hospitals often require upfront payment, and having travel insurance means a simple call to the 24-hour assistance hotline. We can help.
